[rundmc]

But the annuity only 'rewards' your longevity if you live 15-20 years or more because that is the bare minimum it takes to get back your capital.

[imachine1980_]

Yes, that's the point. if not is a ponsi scheme, or simple investment in bonds, the point is you make sure than you don't get whiout buck if you live till 100, not make maximun money, this service use actuarial probability to assurethat.